Mid Penn Bank
Mid Penn Bank received 1,357 applications in 2025 and made 885 mortgages, in 82 counties across 13 states. The median rate its borrowers got was 7.000% on a median loan of $195,000. Of 1,162 decisions, 251 were denials — 21.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900L0MIAM922ZEC34 |
|---|---|
| Applications received | 1,357 |
| Mortgages made | 885 |
| Denied | 251 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 195 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.24 points |
| FDIC-insured bank | Yes: Mid Penn Bank, 67 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 456 | 6.750% | $275,000 | 8.9% |
| Refinancing | 134 | 7.250% | $155,000 | 22.2% |
| Cash-out refinancing | 18 | 6.750% | $220,000 | 28.0% |
| Other purposes | 277 | 7.500% | $75,000 | 35.3% |
Where Mid Penn Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dauphin County, PA | 120 | 7.250% | 26.7% |
| Lancaster County, PA | 80 | 7.065% | 8.8% |
| Schuylkill County, PA | 69 | 7.000% | 34.9% |
| Montgomery County, PA | 64 | 6.875% | 8.5% |
| Cumberland County, PA | 61 | 6.950% | 11.1% |
| Delaware County, PA | 57 | 6.625% | 7.9% |
| Chester County, PA | 47 | 6.990% | 7.8% |
| York County, PA | 43 | 7.000% | 21.4% |
| Berks County, PA | 37 | 7.250% | 32.1% |
| Bucks County, PA | 35 | 7.125% | 27.1% |
| Philadelphia County, PA | 32 | 6.750% | 17.5% |
| Clearfield County, PA | 27 | 7.250% | 20.0% |
| Middlesex County, NJ | 23 | 6.990% | 25.0% |
| Luzerne County, PA | 15 | 7.500% | 40.7% |
| Fayette County, PA | 13 | 7.500% | 48.0% |
| Camden County, NJ | 10 | 7.375% | 25.0% |
| Huntingdon County, PA | 10 | 7.500% | 16.7% |
| Lebanon County, PA | 9 | Under 10 loans | 10.0% |
| Perry County, PA | 7 | Under 10 loans | 36.4% |
| New Castle County, DE | 6 | Under 10 loans | 0.0% |
| Cape May County, NJ | 6 | Under 10 loans | 25.0% |
| Northumberland County, PA | 6 | Under 10 loans | 33.3% |
| Burlington County, NJ | 5 | Under 10 loans | 0.0% |
| Mercer County, NJ | 5 | Under 10 loans | 22.2% |
| Monmouth County, NJ | 5 | Under 10 loans | 44.4% |
| Union County, NJ | 5 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 4 | Under 10 loans | 33.3% |
| Ocean County, NJ | 4 | Under 10 loans | 0.0% |
| Blair County, PA | 4 | Under 10 loans | 33.3% |
| Centre County, PA | 4 | Under 10 loans | 16.7% |
| Lehigh County, PA | 4 | Under 10 loans | 0.0% |
| Westmoreland County, PA | 4 | Under 10 loans | 42.9% |
| Sarasota County, FL | 3 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 3 | Under 10 loans | 25.0% |
| Somerset County, NJ | 3 | Under 10 loans | 0.0% |
| Sussex County, NJ | 3 | Under 10 loans | 0.0% |
| Adams County, PA | 3 | Under 10 loans | 25.0% |
| Bedford County, PA | 3 | Under 10 loans | 0.0% |
| Carbon County, PA | 3 | Under 10 loans | 0.0% |
| Sussex County, DE | 2 | Under 10 loans | 0.0% |
| Manatee County, FL | 2 | Under 10 loans | 0.0% |
| Osceola County, FL | 2 | Under 10 loans | 0.0% |
| Pinellas County, FL | 2 | Under 10 loans | 33.3% |
| Hunterdon County, NJ | 2 | Under 10 loans | 0.0% |
| Allegheny County, PA | 2 | Under 10 loans | 33.3% |
| Franklin County, PA | 2 | Under 10 loans | 0.0% |
| Snyder County, PA | 2 | Under 10 loans | 60.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.